342 / 772
4
in down markets make it a welcome holding in the
worst of times.
Vanguard FTSE Social Index
VFTNX
Performance has improved at this fund since it
switched to the
FTSE4
Good
US
Select Index in
December
2005
. The fund has beaten its average
peer while lagging the S
&
P
500
by a modest
amount. The fund charges a mere
0
.
16%
, so it’s a
pretty good bet.
Vanguard Institutional Index
VINIX
This is the institutional version of
Vanguard 500
Index
VFINX
. It charges just
0
.
04%
. Enough said.
Vanguard Selected Value
VASFX
Vanguard’s active funds’ are pretty cheap, too. This
one charges just
0
.
41%
for the services of three solid
value managers. It’s run by Barrow Hanley, Donald
Smith
&
Co., and Pzena, each of whom has a slightly
different value strategy. The fund has top-quartile
returns over the trailing
10
- and
15
-year periods.
Vanguard Total Bond Market Index
VBTLX
Along with
PIMCO
Total Return, this fund makes two
funds in the intermediate-bond category. Why two?
The index is heavily weighted to U.S. government
securities, whereas
PIMCO
Total Return invests in
government bonds as well as high-yield, foreign
debt, and currency plays. Thus, we provide two very
different paths for employees to select.
Wasatch Small Cap Growth
WAAEX
Jeff Cardon has the longest tenure of any of the
managers in our
401
(k). He’s been running this closed
fund since
1986
. He uses the same flexible small-
cap-growth strategy that he’s used all along. However,
over the years Wasatch has built up its analyst
staff so that he receives more support than he did in
the early years.
K
Morningstar’s 401(k) Funds
Name
Morningstar
Analyst
Rating
Morningstar Category
Morningstar
Rating
Overall
Manager
Tenure (Yr)
Prospectus
Net Expense
Ratio (%)
Total Ret
Ann
5-Yr (%)
Total Ret
% Rank
Cat 5-Yr
Total Ret
Ann
10-Yr (%)
Total Ret
% Rank
Cat 10-Yr
Total Ret
Ann
15-Yr (%)
Total Ret
% Rank
Cat 15-Yr
American Funds New World R5 RNWFX
Œ
Div Emerging Mkts
QQQQQ
16.17
0.69
4.92
4
7.96
8
8.24
33
American Funds Washington Mutual R5 RWMFX
Œ
Large Value
QQQQ
17.08
0.34
15.33
15
7.36
22
7.24
31
DFA International Small Company DFISX
„
Frgn Sm/Mid Blend
QQQQ
16.67
0.53
9.51
59
6.84
44
9.19
13
Dodge & Cox International Stock DODFX
Œ
Frgn Large Blend
QQQQ
14.25
0.64
8.62
16
6.47
17
Harbor Capital Appreciation Instl HACAX
Œ
Large Growth
QQQQ
25.25
0.66
18.61
11
9.35
19
3.63
50
Loomis Sayles Bond Instl LSBDX
Œ
Multisector Bond
QQQQ
24.25
0.63
6.17
20
6.80
7
8.32
9
Morgan Stanley Inst US Real EstateI MSUSX
„
Real Estate
QQQQ
20.50
0.95
12.80
48
7.18
22 11.35
17
Oakmark Select OAKLX
Œ
Large Blend
QQQQ
18.75
0.95
16.68
11
7.87
20
9.80
2
Oppenheimer Developing Markets ODVYX
„
Div Emerging Mkts
QQQQ
8.25
1.07
3.33
15
9.48
2 11.60
1
PIMCO Commodity Real Ret Strat Instl PCRIX
„
Commodities Broad Bskt
QQQ
7.67
0.74
-5.78
28
-2.48
24
PIMCO Real Return Instl PRRIX
„
Inflation-Prot Bnd
QQQQQ
7.67
0.45
3.37
3
4.68
2
6.38
1
PIMCO Total Return Instl PTTRX
´
Intermediate-Trm Bnd
QQQQQ
0.92
0.46
3.97
32
5.93
4
6.57
4
PRIMECAP Odyssey Aggressive Grw POAGX
Œ
Mid-Cap Growth
QQQQQ
10.75
0.63
22.42
1 13.69
1
Royce Special Equity Instl RSEIX
Œ
Small Blend
QQQ
17.25
1.02
11.41
88
7.91
31 11.44
7
Selected American Shares SLADX
´
Large Blend
20.67
0.60
13.46
75
6.64
65
5.41
26
T. Rowe Price High Yield PRHYX
„
High Yield Bond
QQQQ
19.17
0.75
7.73
17
7.19
16
7.38
11
T. Rowe Price Small-Cap Stock OTCFX
„
Small Growth
QQQQ
22.92
0.91
17.00
45
9.58
18
9.63
9
Vanguard FTSE Social Index VFTNX
´
Large Blend
QQQQ
3.67
0.16
17.39
5
7.09
49
3.31
84
Vanguard Institutional Index VINIX
Œ
Large Blend
QQQQ
14.67
0.04
16.22
19
7.73
22
4.62
43
Vanguard Intl Growth Adm VWILX
„
Foreign Large Growth
QQQ
12.50
0.34
8.32
45
6.72
26
4.46
28
Vanguard Selected Value Inv VASVX
Œ
Mid-Cap Value
QQQQ
16.42
0.44
15.35
38
8.17
29 10.75
15
Vanguard Total Bnd Mrkt Indx Adm VBTLX
„
Intermediate-Trm Bnd
QQQ
2.50
0.07
3.21
66
4.58
45
5.25
46
Wasatch Small Cap Growth WAAEX
Œ
Small Growth
QQQ
28.67
1.21
15.99
60
7.77
71
8.89
17
Data as of July 31, 2015.